Heidy Seggio is a financial advisor at Raymond James & Associates with 11 years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley for eight years before joining Raymond James. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, including high-net-worth clients, institutions, pension plans, and municipal entities, offering financial planning, advisory programs, and institutional consulting services.

Anders Hill is a financial advisor with J.P. Morgan Securities in Miami, FL, holding Series 63 and Series 66 designations and having three years of industry experience. His prior work includes roles at JPMorgan Chase Bank, N.A., Novation Solutions USA, Inc., and StartEngine. He also founded Nikkari Ventures LLC. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Marco Pena Cherician is a financial advisor at Morgan Stanley in Coral Gables, FL, holding a Series 66 designation with one year of industry experience. His prior roles include positions at JPMorgan Chase Co, Timepiece Trading LLC, Behavior Analysis Resources and Education, and TJX Companies. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide array of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market models.

Silvia Ales is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She previously worked at Citibank N.A. for 17 years and Vontobel Swiss Financial Advisers for two years. She holds the Series 63, Series 65, and Series 66 designations. J.P. Morgan Securities provides investment advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

William Montgomery is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 63 and Series 65 credentials and has worked at several firms, including Fidelity Investments, Edward Jones, and TD Ameritrade. Montgomery is based in Coral Gables, FL. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios alongside centralized custody and operational support.

Michel Rudman Prusky is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan in various roles since 2008. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Tanja Krakovic is a financial advisor with J.P. Morgan Securities holding a Series 66 designation and 13 years of industry experience. Her prior work includes roles at Bank of America/Merrill Lynch, Wells Fargo, and JPMorgan Chase Bank, N.A. She serves as an advisory board member for a homeowners association and performs freelance graphic design work in marketing. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Sergio Mariscal Lozano is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. He previously worked at UBS Financial Services for nine years before joining Raymond James in 2022. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Ricardo Flores is a financial advisor with Wells Fargo Clearing in Aventura, FL, holding Series 63 and Series 66 licenses and 18 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he is a landlord of rental properties in Florida. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering investment policy development, performance reporting, participant education, and discretionary plan-level investment management. The firm’s approach is IPS-driven and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Stephan Gonzalez Llanes is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven, grounded in modern portfolio theory, and includes discretionary options and a broader range of financial product offerings than typical institutional advisers.

Raul Ferrao Robles is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Wells Fargo Clearing and Wells Fargo Bank since 2020. His prior experience includes roles at HSBC Securities USA and PNC Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broad range of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Juan Leon is a financial advisor with Raymond James & Associates holding a Series 66 designation and two years of industry experience. His prior roles include positions at Amerant Investments, BMW Financial Services, and Engineering & Trade Inc. He serves as an officer at Engineering & Trade Inc., although the corporation has had no recent activity. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, and municipal entities, offering financial planning and consulting through a variety of investment styles and affiliated research.

Carlos Barros is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 license and has held positions at JPMorgan Chase Bank, N.A., Moneda Patria Investments, and BTG Pactual Asset Management International. He also spent five years associated with Universidad de Chile. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework.

Sandra Gonzalez Del Campo is a Series 66 licensed financial advisor with 13 years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2021 and previously spent five years with Morgan Stanley. Based in Miami, FL, her career includes roles at major financial institutions. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Sandra Vargas is a financial advisor at Raymond James & Associates with 19 years of industry experience. She holds a Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Nelson Portobanco is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a variety of advisory programs to individuals and institutional clients, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools guided by its Global Investment Committee.

Camila Ginorio Perez is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Her prior work includes roles at JPMorgan Chase Bank, N.A. and P3 Medical Inc. in addition to academic experience at the University of Florida. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a combination of advisory and brokerage capabilities.

Ruben Lesmes is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques to support client financial plans.

Ruth Gonzalez is an International Wealth Advisor and Senior Vice President with Merrill Lynch Wealth Management. She specializes in providing goals-based wealth management to affluent families, accomplished professionals, and successful business owners. Fluent in English and Spanish, Ruth focuses on delivering personalized financial strategies tailored to each client's unique objectives, drawing on her expertise in areas such as legacy planning, liquidity management, portfolio management, socially responsible and ESG investing, tax minimization, and retirement income planning. Ruth holds a Bachelor's Degree from Florida International University and an MBA with a focus on Finance and Marketing from the University of Miami. She is also a designated Personal Investment Advisor (PIA). Committed to building long-lasting client relationships, Ruth works with a team of specialists to offer customized advice and a disciplined investment approach. Her professional philosophy centers on helping clients develop flexible strategies that align with their long-term goals. Beyond her professional work, Ruth participates in community activities, including volunteering with organizations such as FhedeCristo. Her personal interests include boating, painting, photography, pickleball, running, soccer, and writing.

Tyler Burstyn is a Vice President and Financial Consultant at Fidelity Investments. In this role, he assists clients in developing financial plans tailored to their individual goals and circumstances. He collaborates with clients to assess their current financial strategies and works toward achieving improved financial outcomes. Tyler has been with Fidelity Investments since 2020, progressing through various positions including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant before his current role starting in 2025. Prior to joining Fidelity, he worked as a Financial Advisor at Alliance Global Partners from 2019 to 2020. His professional experience spans multiple aspects of financial consulting and client relationship management, reflecting a focus on personalized financial planning and investment advice.